I have been investing in the Schwab 2040 Target date fund for 20 years. I’m reading The Simple Path to Wealth and looking at the same target date in Vanguard. The Schwab has an expense ratio of .5% and the Vanguard .08%. Can I really sell the Schwab and buy the Vanguard with no fees/penalties since it’s within the IRA? And I’d do sell one buy another?